What is Occupational Accident Insurance?   It’s a product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, Occ/Acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by Workers Compensation or Occ/Acc at the leased operators expense. For those who qualify, Occ/Acc is generally a lower cost alternative.

ELIGIBILTY: Our program is available to Owner/Operators and Contract Drivers of Owner/Operators ages 18 and older who are 1099's (W-2's are NOT eligible) and who are NOT driving motor carrier owned equipment (Eligible drivers must be operating their own power unit, a power unit they are leasing to own, or a power unit of another Owner/Operator). The cost of the insurance is the sole obligation and responsibility of the independent driver to be insured.

EXCLUDED GROUPS: Coverage not available to drivers hauling or involved in following operations: Hazardous material haulers; livestock haulers; PEO’s, driver leasing or temporary services; moving and storage operations, logging and lumbering operations; home delivery operations; mobile home haulers; garbage haulers, oilfield equipment haulers; couriers of any kind.

APPROVED STATES: Coverage is available to independent contractor drivers residing in the following states: AL, AZ, AR, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, NE, NM, ND, OH, OK, PA, SC, TN, TX, UT, VA, WV, WI, WY

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Contingent Liability coverage available for motor carriers with 10 or more Owner/Operators leased on to them and covered under an Occupational Accident insurance plan from our carrier. Contact our office for more information.